2382 Oak Creek Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 2382 Oak Creek Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,919 sqft · built 2000
Lot Size	2.03 acres (88,427 sqft)
Owner	2 Individual Names on Record
Last Sale	$474,810 (Jun 2026)
Tax Bill	$2,276 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-07-5-16-06-0-00041-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-5-16-06-0-00041-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,919 sqft Adjusted Area
1st Floor Area	1,645 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	88,427 sqft (2.03 acres)
Deck Area	288 sqft
Patio Area	560 sqft

Location & Zoning

Street Address	2382 OAK CREEK DR
City	HERNANDO
State	MS
Zip	38632-6668
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	OAK WOODS CREEK S-D 1ST REV LOT 41
Legal Range	007
Legal Township	03S
Legal Section	16
Legal Subdivision	OAK WOODS CREEK S-D
Legal Lot Number	41
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2028
Census Tract	71001

Owner

Source: DeSoto County records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2382 OAK CREEK DR, HERNANDO, MS 38632-6668
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Warranty Deed, Transfer · Conventional Mortgage PRIORITYONE BANK
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Deed Document Number	2026
Deed Book / Page	1026 / 9357
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jun 1, 2026
Property Address	2382 OAK CREEK DR, HERNANDO, MS 38632-6668
Document Number	1026009357
Book / Page	1026 / 9357
Instrument Date	May 29, 2026
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	REALITY TITLE, REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2382 OAK CREEK DR, HERNANDO, MS 38632-6668

Mortgage

Document Number	5663059947,
Date	Jun 1, 2026
Book Page	5663/59947

Lender

Name	PRIORITYONE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2382 OAK CREEK DR, HERNANDO, MS 38632-6668
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004947/359
Date	May 18, 2020
Book Page	4947/359

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,276.00 (+11.02%)	$27,597 (+34.57%) Land $3,000 Building $24,597	$275,970 (+34.57%) Land $30,000 Building $245,970
2023	$2,050.00	$20,508	$205,079 Land $30,000 Building $175,079

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · above 55% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HERNANDO serves 14,457 people · EPA ID MS0170009
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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